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FHA loans in Phoenix, AZ

Quick answer

The 2026 FHA loan limit in Phoenix, AZ (Maricopa County) is $557,750 for a single-family home, enough for a purchase price up to about $577,000 with 3.5% down. On the $381,900 median home value, that down payment is about $13,367 and the estimated payment is $2,974/month at 7.18%, which needs roughly $128,000 a year in income.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $77,041; value-to-income ratio 4.96. Phoenix ranks 24 by home value and 1 by population among 68 places in our AZ dataset.

What does an FHA loan cost on a typical Phoenix home?

ItemPhoenix
Median home value (Census ACS)$381,900
Arizona median home value$358,900
Down payment (3.5%)$13,367
Loan incl. 1.75% upfront MIP$374,983
Estimated monthly payment (PITI + MI)$2,974
Income needed (28% / 36%)$128,000 / $100,000
Maricopa County 2026 FHA limit (1 unit)$557,750
Max purchase price at the limit$577,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Arizona's 0.52% effective property tax rate (Census ACS), $1,194/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in Phoenix?

Phoenix is in Maricopa County where HUD's 2026 one-unit FHA limit is $557,750. With the minimum 3.5% down, that caps the purchase price at about $577,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $832,750).

The Phoenix median home value of $381,900 is 6% above the Arizona median, and within what the county limit supports.

Which down payment assistance programs can Phoenix buyers use?

FHA loans in nearby cities

GlendaleParadise ValleySun CityEl MirageScottsdaleTempe

FHA loan FAQs for Phoenix

Phoenix is in Maricopa County, where HUD's 2026 FHA limit for a one-unit home is $557,750. With 3.5% down, that supports a purchase price up to about $577,000.

3.5% of $381,900 is about $13,367 with a 580+ credit score (10%, or $38,190, with a 500–579 score), plus closing costs.

At the $381,900 median value (above the Arizona median of $358,900), the estimated payment of $2,974/month at 7.18% needs about $128,000 a year under the 28% housing guideline, or $100,000 if your total debts stay under 36%.

1 city-level, 0 county-level and 0 statewide programs are verified for this city (1 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.